Cheapest Auto Insurance in Huntsville, Texas (2024)

State Farm offers the cheapest car insurance in Huntsville, with minimum-coverage policies as low as $35 per month.

Sarah Sharkey
Written bySarah Sharkey
Sarah Sharkey
Sarah SharkeyInsurance Writer
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  • Contributor to top media, including USA Today

A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.

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Danny Smith
Edited byDanny Smith
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Danny Smith
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  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Updated July 11, 2024

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Cheapest recent rates near Huntsville, Texas

Drivers using Insurify have found quotes as cheap as $38/mo for liability only and $61/mo for full coverage in Huntsville and other Texas cities.

*Quotes generated for Insurify users in and around Huntsville, Texas within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Huntsville, Texas within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Huntsville drivers pay $176 per month for car insurance, a little bit less than the overall Texas average of $185 per month. The Rocket City’s relatively small population of about 47,000 and low auto theft rate may partly contribute to its affordable car insurance. But if you want to lower your rates even more, you have ways to do so. Here’s what you need to know about comparing car insurance quotes in Huntsville, Texas.

Quick Facts
  • Huntsville teens pay an average of $309 per month for car insurance.

  • Liability-only coverage costs an average of $107 in Huntsville, while full coverage averages $244 per month.

  • State Farm, GEICO, and Allstate have the cheapest car insurance in Huntsville.

3 of the cheapest car insurance companies in Huntsville

Car insurance companies look at several factors to determine your premium, including your age, ZIP code, driving record, and vehicle type. Insurers may offer different rates for the same coverage, so it’s crucial to compare car insurance companies before buying a policy.

You can jump-start your search by checking out some of the top insurance companies offering cheap rates in Huntsville, Texas. The rates in the table below are averages for all of Texas.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm9.3$65$37Cheap rates
USAA9.4$116$66Veterans
GEICO9.0$71$40Discounts
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: State Farm

Compare personalized, real-time quotes
User Reviews
3.3
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$35/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$62/mo

State Farm offers Huntsville drivers some of the cheapest rates. When combined with plenty of discount opportunities and affordable coverage, this insurer is a good choice for drivers on a budget. A high customer satisfaction rating makes State Farm an even more attractive option.

Pros
  • Above-average J.D. Power customer satisfaction rating in Texas

  • Relatively low average rates

Cons
  • No gap insurance options

  • Not the cheapest for every driver

Read more driver reviews of State Farm
Kharlos - July 7, 2024
Verified

Horrible

The Underwriter Crew is the worst ever! They unnecessarily added someone to my policy after I had already paid, then increased my policy. The person they added had a claim. They found out the claim was not mine and still refused to resolve the situation even after receiving all the information they asked for. They are the worst ever!

Kay - July 7, 2024
Verified

Unreliable

They are not trustworthy. They keep dropping coverage for no apparent reason.

Grace - July 7, 2024
Verified

I own a 2015 Toyota with low mileage, but my rates have been steadily increasing. I've been with this company for over 30 years. Now that I'm retired and drive less than 10 miles every two or three days, my rate has increased to $785 for six months starting this August. I've also been informed that the rates will continue to increase every six months. I've always received good service and I'm reluctant to leave this company. Is there any way this company can accommodate retired individuals like me?

I own a 2015 Toyota with low mileage, but my rates have been steadily increasing. I've been with this company for over 30 years. Now that I'm retired and drive less than 10 miles every two or three days, my rate has increased to $785 for six months starting this August. I've also been informed that the rates will continue to increase every six months. I've always received good service and I'm reluctant to leave this company. Is there any way this company can accommodate retired individuals like me?

Best insurer for veterans: USAA

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User Reviews
3.7
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$63/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$110/mo

USAA offers a range of financial products to military members, veterans, and their families. In addition to auto insurance, you can find home insurance, life insurance, renters insurance, and banking services. With a high customer satisfaction rating and AM Best financial strength rating of A++ (Superior), USAA is an excellent choice if you qualify for coverage.

Pros
  • Highly rated mobile app

  • Safe drivers can save up to 30% through the SafePilot program

Cons
  • Only available to veterans, military members, and their families

  • Customer support unavailable on Sunday

Read more driver reviews of USAA
Timothy - July 7, 2024
Verified

Decline of USAA

USAA has become just another big business that only cares about the dollar and has forgotten about veterans!

Thomas - July 7, 2024
Verified

Frustrated with the automated agent

The personal customer service is excellent. However, the automated agent is horrible.

Jeffrey - July 7, 2024
Verified

USAA has broadened its membership eligibility, but not for my parents

Shop carefully if you have time. USAA is no longer the best buy, especially since they have started mass audience advertising. It seems they are seeking a wider and more diverse customer base. Many features of the original organization are gone. Contacting them requires great patience. It's easier to reach most other insurance companies. Their phone contact security is overkill, meaning that callers need a multitude of PIN numbers, passwords, and other protective measures.

Best insurer for discounts: GEICO

Compare personalized, real-time quotes
User Reviews
3.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$38/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$68/mo

GEICO is one of the largest insurers in the country, offering a wide range of coverages. It has affordable rates, a variety of discounts, and an accident forgiveness program. It also has an excellent financial strength rating of A++ (Superior) from AM Best.

Pros
  • Many available discounts

  • Offers accident forgiveness

Cons
  • Below-average J.D. Power customer satisfaction rating in Texas

  • No rideshare insurance

Read more driver reviews of GEICO
Ashley - July 7, 2024
Verified

Overpriced and not based on driving record

I would not recommend Geico to anyone and would suggest considering other companies.

Pam - July 7, 2024
Verified

Great Insurance

Excellent.

Peggy - July 7, 2024
Verified

Great Company, Switched Only Due to Cost

They provide excellent service.

How to get the cheapest car insurance in Huntsville

Huntsville drivers must carry a minimum amount of insurance. But that doesn’t mean you have to overpay for this unavoidable expense. Here’s a look at some strategies for locking in the best rates:

  • Look for discounts. Always look for discount options before finalizing your policy. Most insurance companies offer a variety of discounts, so you likely qualify for one or two.

  • Shop around. Every insurer looks at your situation differently, providing varying rates. Comparing quotes from different companies can help you find the best rate.

  • Raise your deductible. A higher deductible usually leads to lower premiums. This might be a good option if you have the money to pay for a higher deductible out of pocket.

  • Bundle your home and auto policies. Many insurance companies offer a discount for purchasing multiple insurance policies.

Find Cheap Car Insurance in Huntsville, Texas

Rates start as low as $107 for liability coverage

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Cheapest liability-only car insurance in Huntsville: State Farm

You must have liability car insurance to drive legally in Texas.[1] With this minimum coverage, your insurance company will help you pay for another party’s medical expenses and vehicle repairs after an at-fault accident.

As the most bare-bones option, it’s usually the cheapest type of insurance. Huntsville drivers pay an average monthly rate of $107 for liability-only car insurance. Here are some of the best quotes for liability coverage in the city.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$35
GEICO$38
Allstate$50
Mile Auto$52
Hugo$55
USAA$63
Nationwide$79
Mercury$81
Safeco$82
Midvale Home & Auto$92
Progressive$93
Dairyland$99
Chubb$108
Clearcover$108
National General$114
21st Century$124
Elephant$125
Direct Auto$126
Commonwealth Casualty$129
Liberty Mutual$129
The General$132
Bristol West$143
GAINSCO$150
State Auto$165
AssuranceAmerica$166
Hallmark$186
Infinity$186
Foremost$209
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Huntsville: State Farm

Full-coverage car insurance adds comprehensive and collision coverages to your policy, along with your minimum liability insurance. If you collide with another car or object, collision coverage will help you repair or replace your vehicle. Comprehensive coverage pays for damage from non-collision events, like weather, theft, and vandalism.

If you have an auto loan, the lender may require you to carry this type of insurance. But the robust coverage might be a good option for you, even if you’ve already paid off your vehicle. Vehicle damages can add up very quickly, leaving your pocket hurting.

On average, full coverage costs Huntsville drivers $2,924 per year. Below are some of the cheapest options for full-coverage auto insurance in the city.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$62
GEICO$68
Allstate$88
Mile Auto$108
USAA$110
Clearcover$135
Mercury$135
Hugo$137
Nationwide$158
Progressive$164
Safeco$165
Midvale Home & Auto$170
Chubb$187
Elephant$210
21st Century$217
AssuranceAmerica$224
National General$246
Direct Auto$254
Dairyland$257
Liberty Mutual$264
The General$282
Bristol West$296
Infinity$298
State Auto$319
GAINSCO$330
Commonwealth Casualty$345
Foremost$438
Hallmark$440
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Huntsville, Texas

Drivers using Insurify have found quotes as cheap as $38/mo for liability only and $61/mo for full coverage in Huntsville and other Texas cities.

*Quotes generated for Insurify users in and around Huntsville, Texas within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Huntsville, Texas within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Texas

The Lone Star State requires drivers to carry a minimum amount of insurance to legally operate a vehicle.[1] In this at-fault state, you’ll need insurance that at least meets the following requirements:

CoverageMinimum Requirements
Bodily injury liability$30,000 per person
$60,000 per accident
Property damage liability$25,000

In Texas, all insurers must include a minimum of $2,500 in personal injury protection per person per accident in all auto policies.[2] This coverage helps with your medical expenses if you’re injured in an accident, as well as a percentage of lost wages and other associated costs. If you want to refuse this coverage, you must do so by writing to your insurer.[1]

Liability-only coverage is a bare minimum option. If you want more financial protection, consider the following coverages:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays for repairs to your vehicle after a collision with a vehicle or another object, like a tree or telephone pole.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays to repair or replace your vehicle after damage from a non-collision incident, like severe weather or vandalism.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Underinsured/uninsured motorist coverage pays for damages if you get into an accident with a driver without enough insurance.

Cheapest car insurance for drivers with an incident

Huntsville drivers with a clean record tend to pay less for insurance than drivers with incidents on their driving record. Speeding tickets, at-fault accidents, and driving under the influence (DUI) can all negatively affect your car insurance costs. Insurance companies tend to think of drivers with a checkered past as a higher risk to insure, which leads to higher premiums.

Find Car Insurance in Huntsville, TX

Rates start at $44 for drivers with incidents on their records

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Based on 3,806+ reviews
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Cheapest car insurance for drivers with a speeding ticket: State Farm

Insurance companies tend to charge higher premiums for drivers with a speeding ticket. How much your rates will increase depends on how fast you’re going and how many speeding tickets you already have on your record.[3]

Huntsville drivers with a speeding ticket face an average monthly cost of $347 per month for full coverage and $152 for liability-only coverage. Here are some of the cheapest car insurance companies for drivers with speeding tickets in the city.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm$35$45
GEICO$38$49
Allstate$50$65
Mile Auto$52$71
Hugo$55$75
USAA$63$82
Nationwide$79$103
Mercury$81$113
Safeco$82$108
Midvale Home & Auto$92$124
Progressive$93$121
Dairyland$99$129
Chubb$108$142
Clearcover$108$142
National General$114$148
21st Century$124$166
Elephant$125$178
Direct Auto$126$164
Commonwealth Casualty$129$183
Liberty Mutual$129$183
The General$132$173
Bristol West$143$185
GAINSCO$150$213
State Auto$165$232
AssuranceAmerica$166$219
Hallmark$186$241
Infinity$186$251
Foremost$209$297
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

Cleaning up after an at-fault accident is often complicated and expensive. Beyond the initial costs, an at-fault accident usually leads to higher insurance premiums because it indicates you may be a risky driver.[3]

In Huntsville, drivers with at-fault accidents pay averages of $373 per month for full coverage and $164 for liability only. Below are some of the lowest monthly quotes for drivers with an at-fault accident in the city.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
State Farm$35$48
GEICO$38$53
Allstate$50$69
Mile Auto$52$77
Hugo$55$74
USAA$63$87
Nationwide$79$111
Mercury$81$119
Safeco$82$111
Midvale Home & Auto$92$135
Progressive$93$131
Dairyland$99$137
Chubb$108$151
Clearcover$108$160
National General$114$160
21st Century$124$176
Elephant$125$170
Direct Auto$126$179
Commonwealth Casualty$129$176
Liberty Mutual$129$195
The General$132$187
Bristol West$143$196
GAINSCO$150$201
State Auto$165$250
AssuranceAmerica$166$230
Hallmark$186$249
Infinity$186$255
Foremost$209$315
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: State Farm

Driving under the influence (DUI) was a contributing factor in a significant number of fatal crashes in Texas in 2021.[4] The high stakes of this risky behavior often lead insurance companies to charge higher rates for drivers with a DUI on their driving record. Some insurers may even refuse to provide you coverage after a DUI.

The average monthly cost of car insurance with a DUI in Huntsville is $422 per month for full coverage and $185 for liability only — significantly higher than the averages for a driver with a clean record. Here are some of the lowest car insurance quotes for drivers with a DUI in the city.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
State Farm$35$60
GEICO$38$65
Allstate$50$85
Mile Auto$52$80
Hugo$55$83
USAA$63$108
Nationwide$79$135
Mercury$81$125
Safeco$82$140
Midvale Home & Auto$92$157
Progressive$93$159
Dairyland$99$169
Chubb$108$184
Clearcover$108$184
National General$114$195
21st Century$124$212
Elephant$125$213
Direct Auto$126$215
Commonwealth Casualty$129$220
Liberty Mutual$129$220
The General$132$225
Bristol West$143$244
GAINSCO$150$256
State Auto$165$282
AssuranceAmerica$166$283
Hallmark$186$318
Infinity$186$318
Foremost$209$357
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

Senior drivers in Huntsville often start to see their car insurance costs rise around age 70. Insurers see senior drivers as riskier than most other age groups and charge them higher rates to make up for the increased risk.

The average cost of car insurance for senior drivers in Huntsville is $178 per month for full coverage and $78 for liability only. Below are the average monthly car insurance quotes for seniors in the city.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
State Farm$26$45
GEICO$28$51
Hugo$37$92
Mile Auto$37$76
Allstate$38$66
USAA$47$82
Nationwide$55$111
Mercury$58$96
Progressive$62$110
Safeco$63$127
Midvale Home & Auto$66$122
Chubb$74$128
Dairyland$74$193
Clearcover$82$102
National General$84$180
21st Century$87$152
Direct Auto$92$185
Elephant$93$157
Commonwealth Casualty$96$257
Liberty Mutual$98$200
The General$101$216
Bristol West$108$223
GAINSCO$117$257
AssuranceAmerica$118$159
State Auto$118$229
Infinity$131$210
Hallmark$133$315
Foremost$153$321
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

Teen drivers’ lack of experience behind the wheel tends to translate into higher car insurance premiums. But teen drivers can still find savings by shopping around, seeking good student discounts, driving a safe vehicle, and sticking with their parents’ insurance policy.[5]

On average, teen drivers in Huntsville pay $428 per month for full coverage and $188 per month for liability-only coverage. Below are the average insurance quotes for teens in the city.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
GEICO$59$106
State Farm$59$104
Allstate$87$153
Hugo$95$236
Mile Auto$100$208
USAA$104$181
Nationwide$134$268
Mercury$146$243
Midvale Home & Auto$157$290
Dairyland$163$424
Progressive$166$293
Safeco$168$339
Chubb$198$343
Elephant$204$343
21st Century$205$360
Clearcover$208$259
The General$211$450
National General$218$470
Commonwealth Casualty$225$603
Direct Auto$227$458
Liberty Mutual$235$480
Bristol West$241$498
GAINSCO$263$579
State Auto$290$560
AssuranceAmerica$305$412
Hallmark$326$770
Infinity$338$541
Foremost$367$770
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Huntsville car insurance quotes by credit tier

Texas allows insurance companies to consider your credit history to determine premiums.[6] Auto insurance companies have determined that drivers with excellent or good credit are less likely to file a claim, so these drivers often pay lower rates. In contrast, drivers with poor credit tend to pay more for car insurance.

Explore average car insurance costs by credit score below:

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Huntsville?

The overall average price of car insurance in Huntsville is $176, slightly less than the state average of $185. However, it’s a bit more expensive than the national average of $160.

Rates vary from city to city within the Lone Star State. For example, Houston drivers pay much more than drivers in Huntsville, with an average monthly quote of $247. But El Paso drivers often pay less. It’s important to compare quotes from multiple insurers before buying a policy.

More cities in Texas

Drivers face different car insurance rates based on a range of factors, including location. Drivers generally pay more for insurance in urban areas with more traffic and higher crime rates. In contrast, drivers in rural areas with less congestion tend to pay less.

Compare the average quotes for other cities in Texas below:

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Arlington$127$255
Austin$129$243
Dallas$135$284
El Paso$93$215
Fort Worth$121$245
Houston$170$324
Irving$132$270
Plano$125$244
San Antonio$123$245
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Huntsville car insurance FAQs

Finding the right car insurance can be a challenge. Below, you’ll find answers to some commonly asked questions about how to find the best auto insurance in Huntsville.

  • How much is car insurance in Huntsville, Texas?

    Car insurance in Huntsville costs $176 per month, on average. Drivers pay an average of $244 per month for full-coverage car insurance and $107 per month for liability coverage. Your exact rate will depend on your insurer, age, driving record, credit history, vehicle type, coverage level, and more.

  • Which company has the cheapest car insurance rates in Huntsville?

    State Farm has the cheapest car insurance in Huntsville, with liability rates averaging $35 per month. You can also find low rates with GEICO and Allstate, which have liability-only rates of $38 and $50 per month, respectively.

  • What are the best car insurance companies in Huntsville?

    State Farm is the best car insurance company in Huntsville, with an Insurify Quality (IQ) Score of 9.3 out of 5 and an AM Best financial strength rating of A++ (Superior). Of the insurers Insurify has rate data for, other top Huntsville choices include USAA and GEICO.

  • What is the minimum car insurance required in Texas?

    All drivers in Texas must carry car insurance. You must have at least $30,000 per person and $60,000 per accident in bodily injury liability coverage, as well as $25,000 per accident in property damage liability insurance.

  • How much is car insurance per month in Texas?

    The overall average cost of car insurance per month in Texas is $185. Drivers pay $119 per month for liability coverage and $250 for full coverage.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Texas Department of Insurance. "Auto Insurance Guide."
  2. Texas Office of Public Insurance Council. "Understanding PIP vs Med-Pay."
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  4. Texas Department of Transportation. "Crash Contributing Factors."
  5. Insurance Information Institute. "Auto insurance for teen drivers."
  6. Texas Department of Insurance. "Credit Scoring and Insurance."
Sarah Sharkey
Sarah SharkeyInsurance Writer

Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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